scholarly journals Dimensions of perceived risk of mobile banking apps: An empirical investigation of South African retail banking customers.

10.29007/v4j1 ◽  
2019 ◽  
Author(s):  
Philile Thusi ◽  
Daniel K. Maduku
Keyword(s):  
South African ◽  
Perceived Risk ◽  
Strong Relationship ◽  
Negative Influence ◽  
Positive Influence ◽  
Mobile Commerce ◽  
Retail Banking ◽  
Mobile Banking ◽  
Customer Trust ◽  
Retail Banks

Banking transactions carried out in the uncertain conditions of mobile commerce involve highlevels of perceived risk and require substantial levels of trust. Therefore, gaining customer trust and reducing the influence of risk is imperative to developing and nurturing long-lasting and strong relationship between customers and retail banks. However, limited research is currently investigating the effects of overall perceived risk and trust on retail banking customers use of mobile commerce, particularly from the perspective of emerging African economies. This study investigates the effects of perceived risk and institution-based trust on the use of mobile banking apps among South African retail bank customers. The model was tested using responses obtained from 352 users of the mobile banking services of the five major retail banks (ABSA, Capitec, FNB, Nedbank, and Standard Bank) in South Africa. The findings of this study suggest that institution- based trust has a significant positive influence on use behaviour of mobile banking apps. Furthermore, perceived risk has a significant negative influence on use behaviour; and, lastly, institution-based trust is found to have a significant negative influence on perceived risk.

scholarly journals Influence of perceived integrity and perceived system quality on Generation Y students’ perceived trust in mobile banking in South Africa

2017 ◽  
Vol 12 (1) ◽  
pp. 128-134 ◽  
Author(s):  
Marko van Deventer ◽  
Natasha de Klerk ◽  
Ayesha Bevan-Dye
Keyword(s):  
South African ◽  
Generation Y ◽  
Perceived Risk ◽  
Positive Influence ◽  
Mobile Banking ◽  
System Quality ◽  
Convenience Sample ◽  
Perceived Trust ◽  
Retail Banks

Mobile banking represents an important addition to retail banks’ digital banking channels and a salient tool for servicing both current and future customers. However, given the cybernetic nature of mobile banking, there is a certain degree of uncertainty and perceived risk associated with the use thereof. This uncertainty and perceived risk elevate the importance of trust in fostering mobile banking adoption. The Generation Y cohort, which encompasses today’s youth, represents an important current and future banking segment and their adoption of mobile banking channels could have a significant effect on the cost of servicing members of this cohort. Understanding the factors that positively contribute to the Generation Y cohort’s trust in mobile banking will help retail banks to better market their mobile banking channels to members of this cohort and thereby foster greater adoption of such channels. The study reported in this article considers the influence of the perceived integrity of the bank and the perceived system quality of mobile banking on Generation Y students’ perceived trust in mobile banking in the South African context. Data were gathered from a convenience sample of 334 students registered at three public South African university campuses using a self-administered questionnaire. The gathered data were analyzed using descriptive statistics, correlation analysis and bivariate regression analysis. The results of the study suggest that Generation Y students’ perceived integrity of a bank, together with the perceived system quality of mobile banking, has a significant positive influence on their perceived trust in mobile banking.

ANALISIS PENGARUH PERCEIVED RISK, SOCIAL NORMS, USEFULNESS, DAN TRUST TERHADAP ADOPSI MOBILE BANKING DAN INTERNET BANKING

2019 ◽  
Vol 1 (1) ◽  
pp. 1-27
Author(s):  
Irni Audini ◽  
Idrianita Anis
Keyword(s):  
Social Norms ◽  
Perceived Risk ◽  
Sampling Technique ◽  
Internet Banking ◽  
Negative Influence ◽  
Positive Influence ◽  
Mobile Banking ◽  
Control Variables ◽  
Independent Variables ◽  
Education Profession

The purpose of this study was to determine the influence of perceived risk, social norms, usefulness and trust towards the adoption of mobile banking and internet banking in Indonesia. Independent variables in this study were perceived risk, social norms, usefulness and trust. Dependent variables used were the adoption of mobile banking and internet banking. The control variables of this study were gender, age, education, profession and understanding of technology.The research used questionnaire for data collection. The respondents were active users of mobile banking services banking and internet banking. The sampling technique used was purposive sampling. This study uses regression analysis. The analytical tool used to test the hypothesis is SPSS 20.These results indicate that not all independent variables showed significant effects on the dependent variable. Perceived risk has a negative influence on the adoption of mobile banking and internet banking. Social norms and trust have a positive influence on the adoption of mobile banking and internet banking. Usefulness has no influence on the adoption of mobile banking and internet banking. The control variables of age proved to be a positive influence on the adoption of mobile banking and internet banking. However, other variables, namely gender, education, profession and understanding of the technology do not affect the adoption of mobile banking and internet banking.

Validating the Measurement Constructs Affecting the Technology Adoption in Indian Mobile Banking Industry

2016 ◽  
Vol 1 (1) ◽  
Author(s):  
Muragesh Y. Pattanshetti ◽  
Sachin S. Kamble ◽  
Sudheer M. Dhume ◽  
Shradha Gawankar
Keyword(s):  
Technology Adoption ◽  
Perceived Risk ◽  
Service Providers ◽  
Business Environment ◽  
Retail Banking ◽  
Appropriate Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Measurement Scale ◽  
Mobile Banking

Mobile phones have undeniably brought a paradigm shift, affecting both the lives of people and the business environment. Today, mobile phone has permeated the lives of billions of people around the world, becoming for many an indispensable device. Moreover, adoption of mobile banking has significant impact on reducing costs and enabling change in retail banking. Factors influencing the intention to use or adopt mobile banking are very important and will play a vital role for mobile banking service providers. The proposed study focuses on a comprehensive set of potential factors that influence the adoption of mobile banking. The research model identifies appropriate factors and captures dependency relationships among these factors in the form of a number of hypotheses to be tested in this research. This paper aims to design a scale with a high degree of reliability, validity, and dimensionality which helps to determine the appropriate technology adoption model based on the identified constructs, viz. Optimism (OPTI), Innovativeness (INNO), Insecurity (INSC), Discomfort (DISC), Perceived Usefulness (PU), Perceived Ease of Use (PEU), Perceived Risk (PR), Subjective Norms (SN), Attitude (ATTI), Behavioural Control (BC) and Behavioural Intention (BI). The data were collected through questionnaire survey from 201 respondents comprising software engineers, bank employees, professors, entrepreneurs. Confirmatory factor analysis was used to test the validity of the proposed measurement scale for all the identified constructs. This instrument helps bankers to determine and design there applications which will contribute to the knowledge of predicting customer intention.

scholarly journals Analisis Pengaruh Customer Trust Terhadap Keputusan Menggunakan Mobile Banking Melalui Perceived Risk dan Perceived Usefulness Sebagai Variabel Intervening

2020 ◽  
Vol 2 (4) ◽  
pp. 670-680
Author(s):  
Fitria Styarini ◽  
Sulis Riptiono
Keyword(s):  
Perceived Risk ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Purposive Sampling ◽  
Customer Trust

Tujuan penelitian ini adalah untuk mengetahui pengaruh customer trust terhadap keputusan menggunakan mobile banking melalui perceived risk dan perceived usefulness sebagai variabel intervening pada pengguna aplikasi mobile banking Bank BRI di Kantor Cabang Kebumen. Populasi pada penelitian ini adalah seluruh nasabah pengguna rekening debet pada Bank BRI Kantor Cabang Kebumen yang menggunakan aplikasi mobile banking BRI. Penelitian ini menggunakan metode purposive sampling dengan sampel sebanyak 100 responden. Berdasarkan metode statistika dilakukan uji validitas, uji reliabilitas, uji asumsi klasik (uji multikolonieritas, uji heteroskedastisitas, dan uji normalitas), uji parsial, uji koefisien determinasi, dan analisis jalur. Hasil penelitian ini menunjukkan bahwa berdasarkan uji validitas dan reliabilitas semua variabel dinyatakan valid dan reliabel. Berdasarkan hasil uji t sub struktur I variabel customer trust berpengaruh positif dan signifikan terhadap perceived risk. Hasil uji t sub struktur II variabel customer trust berpengaruh positif dan signifikan terhadap perceived usefulness, perceived risk tidak berpengaruh signifikan terhadap perceived usefulness. Kemudian untuk sub struktur III variabel customer trust berpengaruh positif dan signifikan terhadap keputusan menggunakan, perceived risk tidak berpengaruh signifikan terhadap keputusan menggunakan, perceived usefulness berpengaruh positif dan signifikan terhadap keputusan menggunakan.

Generations on New Technologies in Retail Banking in the Context of Knowledge Economy

2019 ◽  
Vol 11 (3) ◽  
pp. 19-33
Author(s):  
Małgorzata Kieżel ◽  
Magdalena Stefańska
Keyword(s):  
Perceived Risk ◽  
Information Society ◽  
New Technologies ◽  
Retail Banking ◽  
Innovative Technology ◽  
Key Factors ◽  
Advanced Technologies ◽  
Wide Range ◽  
Innovative Solutions ◽  
Retail Banks

Together with development of innovative technology, retail banks increasingly and more frequently apply it to create and provide customers value. Such trends are justified in the article, considering the development of information society as well as progressing diversity in customers' preferences. The differences are increasingly stronger, especially if consumers' age representing different generations. The purpose of the article is to identify and evaluate the scope of use of retail banking products based on innovative technologies by customers in total, and while taking into account belonging to three various generations. According to the results of the research, security, lower price and growth of the comfort of use are the key factors to encourage the customers to use innovative solutions in banking. The most important barriers in that area are the costs that occur together with products based on advanced technologies and perceived risk of using unknown earlier services. However, acceptance of technologically advanced products by a wide range of customers depends on generation.

scholarly journals Determinan Kebijakan Hutang (Bukti Empiris Pada Perusahaan yang Terdaftar Di Bursa Efek Indonesia)

2017 ◽  
Vol 4 (1) ◽  
pp. 91-112
Author(s):  
Linda Linda ◽  
Maya Febrianty Lautania ◽  
Muhammad Arfandynata
Keyword(s):  
Stock Exchange ◽  
Strong Relationship ◽  
Negative Influence ◽  
Positive Influence ◽  
Free Cash Flow ◽  
Investment Opportunity ◽  
Good Investment ◽  
Investment Opportunity Set ◽  
Equity Ratio ◽  
Debt Policy

The purpose of this study is to examine the influence of asset structure, free cash flow (FCF), and investment opportunity set on debt policy in the LQ-45 company listed in the Indonesia Stock Exchange between 2011 and 2015.The data used in this study obtained from published companyfinancial statements. The sample was selected based on purposive sampling method e.g. 110 observations. The hypotheses were tested by using multiple linear regression analysis.The results of this study demonstrated that the asset structure, FCF, and investment opportunity set both partially and simultaneously determine the Debt to Equity Ratio. Partially, this study found that the asset structure and FCF has a negative influence on debt to equity ratio, while the investment opportunity set has a positive influence on debt to equity ratio. based on these results, the good investment opportunity set have a strong relationship on the level of debt risk.

Kano-Based Measurement of Customer Expectations in Retail Service Industry Using IT2 DEMATEL-QUALIFLEX

2020 ◽  
pp. 349-370 ◽  
Author(s):  
Hasan Dinçer ◽  
Serhat Yüksel ◽  
Fatih Pınarbaşı
Keyword(s):  
Customer Satisfaction ◽  
Service Industry ◽  
Negative Influence ◽  
Retail Banking ◽  
Kano Model ◽  
Customer Expectations ◽  
Communication Problems ◽  
Retail Service ◽  
Retail Banks

This study aims to analyze customer expectations in European retail banking industry. For this purpose, five different criteria are identified. Furthermore, IT2 FDEMATEL approach is used to weight these criteria. In addition, three different factors are also defined which have a negative influence on customer satisfaction. In this context, IT2 FQUALIFLEX approach is used to rank these three alternatives. In this process, Kano model-based evaluation factors are converted into the fuzzy numbers. The findings show that the most important problem to be solved to ensure customer expectations and satisfaction is the communication problems. Therefore, European retail banks should firstly focus on solving this problem to meet customer expectations and provide customer satisfaction. These banks should employ the necessary number of personnel to provide services in different channels, such as social media, mobile banking, telebanking. Moreover, these personnel should also be trained effectively to increase the quality of communication.

scholarly journals Passive Suppression of South African Rainfall by the Agulhas Current

2015 ◽  
Vol 19 (13) ◽  
pp. 1-14 ◽  
Author(s):  
Mark R. Jury
Keyword(s):  
South African ◽  
Negative Influence ◽  
Rainfall Anomaly ◽  
Positive Influence ◽  
Cloud Band ◽  
Agulhas Current ◽  
Vegetation Fraction ◽  
African Rainfall ◽  
South Indian ◽  
And Cluster Analysis

Abstract This study reconsiders the role of the Agulhas Current in South African climate variability. Here, the Agulhas Current is delimited by its anticyclonic looping flow and cluster analysis of detrended SST anomalies that lead to an area 28°–37°S, 18°–35°E, poleward of South Africa. Regression of detrended Agulhas SST with rainfall anomaly fields in the years 1950–2012 yields a surprising negative influence over the interior. In summer, the negative regression exhibits a northwest axis consistent with reduced cloud band activity. Positive influence is confined to the eastern escarpment in the September–November season when cutoff lows are prevalent. The overall negative influence of the Agulhas SST is confirmed by regression with the vegetation fraction and latent heat flux in the satellite era. Mechanisms of South African rainfall suppression were investigated. The Agulhas SST index is positively related to the multivariate ENSO index at the 1–3-month lead time. Hence, warm years in the Agulhas Current follow Pacific El Niño. Composite ocean analysis shows enhanced westerly winds offshore and a westward extension of warm salty water from the anticyclonic south Indian Ocean gyre. Composite atmospheric analysis exhibits moist uplifted air over the Agulhas Current folding into an equatorward circulation that sinks over the interior plateau. Because Agulhas SST partially follows ENSO, its suppression of interior rainfall is concluded to be passive.

scholarly journals Generation Y consumers’ perceived brand personality of South African retail banks

2021 ◽  
Vol 16 (3) ◽  
pp. 130-140
Author(s):  
Marko van Deventer ◽  
Nkosinamandla Erasmus Shezi
Keyword(s):  
South African ◽  
Generation Y ◽  
Brand Personality ◽  
Retail Banking ◽  
Convenience Sample ◽  
Personality Dimensions ◽  
Banking Market ◽  
Financial Benefits ◽  
Retail Banks ◽  
Self Administered Questionnaire

Successful management of a retail bank’s brand requires some form of brand image, such as brand personality. Creating a retail bank’s brand personality is effective in establishing attachment between customers and the retail-banking brand they choose to support based on self-identification. As such, this study’s aim is to investigate the bank identification and perceived brand personality dimensions of retail banks among the profitable and significantly sized Generation Y banking market. For this study, a non-probability convenience sample of 300 Generation Y banking customers was used. A self-administered questionnaire was developed for data collection. The results of the study suggest that Generation Y customers perceive their chosen retail bank as successful, sophisticated, sincere, rugged, community driven and classic. Moreover, the results showed that the brand personality dimensions of community driven and successfulness are mostly related to the identification of Generation Y customers with their retail bank brand. Customers who easily identify with their retail bank brand bring financial benefits to the bank, as these customers remain loyal to the brand. The results provide insights that can help retail banks to better understand their current brand personality perceptions, which is important given that brand personality can improve bank brand identification among customers.

scholarly journals The impact of COVID-19 on consumer behavior in retail banking. Evidence from Romania

2020 ◽  
Vol 15 (s1) ◽  
pp. 534-556
Author(s):  
Claudia Gabriela Baicu ◽  
Iuliana Petronela Gârdan ◽  
Daniel Adrian Gârdan ◽  
Gheorghe Epuran
Keyword(s):  
Consumer Behavior ◽  
Global Economy ◽  
Banking Sector ◽  
Financial Education ◽  
Positive Influence ◽  
Retail Banking ◽  
Special Focus ◽  
Mobile Banking ◽  
Banking Services ◽  
The Impact

AbstractThe pandemic COVID-19 has severely affected the global economy. The strict lockdown measures have also changed the daily live, including consumer behavior in retail banking. In this context, the purpose of this paper is to investigate the impact of the COVID-19 crisis on consumer behavior in retail banking, with a special focus on the Romanian banking sector. To achieve our goal, we performed a survey among the Romanian consumers in retail banking, using as research method the field survey based on questionnaire. The final sample comprised 738 valid responses from the metropolitan area retail banking consumers. The research brings a fresh insight on retail banking services consumption during the pandemic and validates a conceptual model regarding the internet and mobile banking services acceptance. The research’ results highlighted, among others, that the variable concerning the perception of the COVID-19 pandemic effect on consumers’ lifestyle has a direct and positive influence on the variable regarding the attitude toward internet and mobile banking services, mediated by other variables like safety of internet and mobile banking use and trust in banks. Several social and managerial implications are also discussed, because it is possible that the tendency to use internet and mobile banking services will prevail even after the post pandemic stage, as new consumption behavior models are developing. Banks in Romania should increase their initiatives to offer financial education courses and online tutorials to familiarize customers with the use of digital channels. Banks should also improve communication with clients and design new products and services to increase the attractiveness of saving process. They should demonstrate flexibility in negotiating lending and refinancing conditions as well.

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